{"id":50,"date":"2022-06-30T04:00:00","date_gmt":"2022-06-30T10:00:00","guid":{"rendered":"https:\/\/www.lukepetersoninsurance.com\/blog\/?p=50"},"modified":"2022-06-30T21:53:34","modified_gmt":"2022-07-01T03:53:34","slug":"will-my-home-insurance-cover-a-detached-garage","status":"publish","type":"post","link":"https:\/\/www.lukepetersoninsurance.com\/blog\/will-my-home-insurance-cover-a-detached-garage\/","title":{"rendered":"Will My Home Insurance Cover a Detached Garage?"},"content":{"rendered":"<p>Home insurance is a vital investment that protects your most valuable asset, your home, against the many risks that can crop up. Whether you&rsquo;re buying a new home or renewing your policy, you&rsquo;ll want to make sure that your home insurance covers your home and its contents to the maximum extent possible. But what about a property that&#8217;s not attached to the house itself?<\/p>\n<p>Our professional agents at Luke Peterson Insurance are ready to help Altoona, IA homeowners understand what home insurance covers. The answer might surprise you!<\/p>\n<h2>You have more than one type of coverage.<\/h2>\n<p>Even the most basic home insurance policy covers more than just the structure of your home. It is usually a package of coverage that includes the following:<\/p>\n<ul>\n<li>Dwelling coverage for the structure of the home and structures attached to it.<\/li>\n<li>Other Structures coverage for structures not attached to the house.<\/li>\n<li>Personal Property coverage for your belongings.<\/li>\n<li>Loss of Use coverage for the time your home is uninhabitable and being repaired.<\/li>\n<li>Personal Liability coverage for lawsuits that can be brought against you or your family members for personal injury or damage to someone outside your household.<\/li>\n<li>Medical Payments coverage for medical expenses incurred by someone other than you who is hurt on your property or by your animals.<\/li>\n<\/ul>\n<h3>Your detached garage is covered.<\/h3>\n<p>A detached garage is considered covered by the Other Structures part of your policy. However, it does not have the same coverage as your house.<\/p>\n<p>The typical limits of Other Structures coverage are between 25 and 50 percent of the replacement cost of your home. If your home is worth $200,000, your garage may be covered up to $100,000 instead of $200,000. It&#8217;s important to note that <em><strong>this is only an example<\/strong><\/em>, and your coverage limit may be lower or higher depending on your policy.<\/p>\n<p>If you want to increase the amount of coverage your garage receives, you may be able to purchase additional coverage through your agency.<\/p>\n<h3>Give Us A Call<\/h3>\n<p>Altoona, IA residents interested in learning more about their insurance options can reach out to Luke Peterson Insurance today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Home insurance is a vital investment that protects your most valuable asset, your home, against the many risks that can crop up. Whether you&rsquo;re buying a new home or renewing your policy, you&rsquo;ll want to make sure that your home insurance covers your home and its contents to the maximum extent possible. But what about [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[7,8],"class_list":["post-50","post","type-post","status-publish","format-standard","hentry","category-home-insurance","tag-altoona-ia","tag-luke-peterson-insurance"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/50","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=50"}],"version-history":[{"count":1,"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions"}],"predecessor-version":[{"id":51,"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/50\/revisions\/51"}],"wp:attachment":[{"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=50"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=50"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lukepetersoninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=50"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}